I'm glad you were able to recover your stuff even if some of it was damaged. 27 degrees, you brave soul!
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Sorry, I know nothing about fenders except the plastic Planet Bike fenders I had on my old commuting bike seemed kind of flimsy compared to the ones I've got now. I don't know if the easy-on/off fenders work well.
But they're absolutely essential if you're going to commute in the rain!